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这样的一个 4-unit 全新建筑值得买来出租吗,20% down, 现金对现金大约6.7%

本帖于 2025-12-17 19:29:40 时间, 由普通用户 logyliang2002 编辑

卖方经纪发来的信息:

说是楼下的两个2室一卫各租$1800(我觉得合理),楼上的两个三室两卫各租$2800, 我刚觉有点悬。要是自己盖同样的价钱能盖出来吗?自己盖必须能便宜很多才行,比如130万以下,否则时间成本算上去也不值了。

A brand-new four-unit building with projected income up to $110,000 a year , built by one of the best builders in the city… the attention to detail is unreal.

Projected property tax : $12,000 - $15,000

estimated Insurance : $ 3000/year

Estimated water bill : $3000/year

tenants pay heat, hot water and snow removal. 

total expenses : $21,000/year. 

Total mortgage and interest varies based on the down payment, the amortization and the interest rate but based on 20% down, 4% interest rate and 30 years amortization the Mortgage and interest is $68,472/ year 

Total expenses included mortgage : $89,472

Cash flow : $20,528 

All these numbers are estimates and it might vary based on different factors. 

Here are the features every investor dreams of:

 

 Building Highlights

 New construction — worry-free for the next 10 years

 Four units / over 5,000 sq ft total

 Upper units: each 3 bedrooms, 2.5 bathrooms

 Lower units: each 2 bedrooms, 1 bathroom

 Wide paved driveway fitting up to 8 cars

 No lawn mowing, no landscaping headaches — premium stone landscaping for true low-maintenance living

 Exterior storage under the stairs — perfect for tenants’ snow tires, shovels, and seasonal items

 Four separate power meters — tenants pay their own heat and electricity

 Heat pumps on every level

 Air exchangers in every unit

 Each unit has its own hot water tank — tenants cover their own hot water

 Expenses: only property tax, insurance, and your mortgage

 Zero maintenance expected for years — peace of mind at its finest

 

所有跟帖: 

房租要以低10%计算,这样不会失望,看看周边空置率多少。 -老朽- 给 老朽 发送悄悄话 老朽 的博客首页 (0 bytes) () 12/17/2025 postreply 20:22:51

是的,我也觉得是 -logyliang2002- 给 logyliang2002 发送悄悄话 (0 bytes) () 12/18/2025 postreply 11:10:34

每个单元每年需要打进至少500维修费用和平摊的更新费用。 -borisg- 给 borisg 发送悄悄话 borisg 的博客首页 (0 bytes) () 12/17/2025 postreply 23:01:10

好的,2000的cash flow又没了 -logyliang2002- 给 logyliang2002 发送悄悄话 (0 bytes) () 12/18/2025 postreply 11:11:28

为什么利率按4%算呢?不是现在是6%吗? -绿园紫竹- 给 绿园紫竹 发送悄悄话 绿园紫竹 的博客首页 (0 bytes) () 12/17/2025 postreply 23:04:00

我们这里投资房4%,4.25%,商业贷款还再稍微高点大约5%,没有6% -logyliang2002- 给 logyliang2002 发送悄悄话 (0 bytes) () 12/18/2025 postreply 11:12:29

什么叫tenants pay , “hot water”? 是水还是电? -小鸡他爸- 给 小鸡他爸 发送悄悄话 (0 bytes) () 12/18/2025 postreply 06:38:56

heat 和 hot water 都是electric的,electric hot water tank. -logyliang2002- 给 logyliang2002 发送悄悄话 (0 bytes) () 12/18/2025 postreply 11:13:38

总体来说,完美数字你要打个折扣。加拿大的市场与美国肯定有区别,这个帐只有你才能算得清楚。 -守月- 给 守月 发送悄悄话 (7483 bytes) () 12/18/2025 postreply 08:43:21

真是个冷酷严峻镇定有主见的好姐姐。你这个 deal 在我们这里这会抢疯的 -logyliang2002- 给 logyliang2002 发送悄悄话 (0 bytes) () 12/18/2025 postreply 11:16:30

哈哈,我希望我是这样,可惜差得远啦。投资需要的性格:理性、冷静、耐心、乐观、情绪稳定、知识面宽且有宏观视角。我深以为然。 -守月- 给 守月 发送悄悄话 (0 bytes) () 12/18/2025 postreply 12:54:12

对楼主您这样的物业投资者这个是鸡肋,但对另外的两大类购买者是近乎完美标的。我大概能猜到这个建商是针对哪些客户群体而建 -罗马公民- 给 罗马公民 发送悄悄话 (421 bytes) () 12/18/2025 postreply 15:34:08

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